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The Bank of Key West is not going to have enough reserves at the end of the business day to meet its reserve requirement of

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The Bank of Key West is not going to have enough reserves at the end of the business day to meet its reserve requirement of 10\%. It currently has two options to borrow money overnight in order to meet the requirement. First, it could borrow money from the Federal Reserve at a rate of 0.95\%. Second, it could borrow money from other banks at a rate of 0.35%. What is the foderal funds rate, and what is the discount nite

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